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CCA's Trading Standards any use?


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Hi there.

I am intending to challenge a number of credit agreements which I think are unenforceable.

 

I have so far sent out CCA & CPR requests and had the usual responce. I have complained to the FOS (no reply yet, not holding my breath) but have had a very positive responce from my local Trading Standards Office.:D In fact I had a two hour meeting with them and they seemed very interested and indicated that they would take legal action against the lenders if 'their team' agreed that breaches of the CCA & DPA were evident. I have to wait till next week to get their official responce.

 

Has anyone else had an dealings with the Trading Standards over this issue, I would be very interested to hear from you?

 

Thanks GM :)

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They seem to vary from area to area - some are very good and some just don't want to know. Some work very closely with the OFT. I don't think you will get much of a response from the FOS. They take the view that they cannot decide on legal matters and on the balance of probabilities you owe the money. A lot of the FOS adjudicators are ex-bankers and the banks finance them, so they are far from unbiased.

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They seem to vary from area to area - some are very good and some just don't want to know

 

Like mine.

 

They insisted that it was fine for an OC to send a completely illegible CCA as Copies of Documents Regulations only applied at the time the agreement was signed.:eek:

 

When, with the help of PT I proved them wrong, they just told me to pay or I would wind up in court.

 

David

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Hi there.

I am intending to challenge a number of credit agreements which I think are unenforceable.

 

I have so far sent out CCA & CPR requests and had the usual responce. I have complained to the FOS (no reply yet, not holding my breath) but have had a very positive responce from my local Trading Standards Office.:D In fact I had a two hour meeting with them and they seemed very interested and indicated that they would take legal action against the lenders if 'their team' agreed that breaches of the CCA & DPA were evident. I have to wait till next week to get their official responce.

 

Has anyone else had an dealings with the Trading Standards over this issue, I would be very interested to hear from you?

Thanks GM :)

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147392-cca-dcas-unfair-commercial.html

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi Thanks for the replies I hope this will be a useful post for all.

 

They insisted that it was fine for an OC to send a completely illegible CCA as Copies of Documents Regulations only applied at the time the agreement was signed.:shock:

 

Reply: When I met the Trading Standards 2 days ago they immediatly picked up on the illegible CCAs that I had, pointed out the breaches of the act and indicated that they may be able take court action against the OCs in conjunction with myself.:D Obviously, this is only one officers opinion and the rest of 'their team' may not eventually agree, I'll have to wait and see!

 

Any other members experiences would be appreciated keep it going:)

 

GM

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Remind them of the UCPD and the CPUTR 2008 ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi Babybear can you explain what this is? Sorry for the ignorance. GM

 

If you follow the link in post #4 that thread should explain everything :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Reply: When I met the Trading Standards 2 days ago they immediatly picked up on the illegible CCAs that I had, pointed out the breaches of the act and indicated that they may be able take court action against the OCs in conjunction with myself.:grin: Obviously, this is only one officers opinion and the rest of 'their team' may not eventually agree, I'll have to wait and see!

 

 

Excellent!!! That is what is supposed to happen.

 

Unfortunately my local council is noted for it's incompetence, even before you give any credence to the constant rumours of corruption that circulate.

 

David

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Will watch with interest.. and GM, if you get continued support from your TS i will be sick as a parrot and jealous as hell.

 

Note to users. don't move to Torbay if you have lender issues. TS here are terrified of Banks.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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